This document analyzes HDFC Bank. It provides background on the founder of HDFC and the establishment of HDFC Bank in 1994 as one of the first new generation private sector banks in India. The bank focuses on understanding customer needs, leveraging technology, and creating quality over quantity. It deals with retail banking, wholesale banking, and treasury operations. The bank has over 2,700 branches across India and internationally. Various ratios like the current ratio, debt-equity ratio, and price-earnings ratio are analyzed from 2012 for HDFC Bank, ICICI Bank, and SBI Bank.
This was a project study during my 7th semester @ SZABIST, The subject was Project Management . Hammad Masood was Facilitator. This projects describe how Meezan Manges its Different projects
Allied Bank Management Information System - Allied Bank MISFaHaD .H. NooR
Allied Bank MIS - UCP - MIS is short for management information system or management information services.
Management information system, or MIS, broadly refers to a computer-based system that provides managers with the tools to organize, evaluate and efficiently manage departments within an organization. In order to provide past, present and prediction information, a management information system can include software that helps in decision making, data resources such as databases, the hardware resources of a system, decision support systems, people management and project management applications, and any computerized processes that enable the department to run efficiently
The role of the management information system (MIS) manager is to focus on the organization's information and technology systems. The MIS manager typically analyzes business problems and then designs and maintains computer applications to solve the organization's problems.
The Housing Development Finance Corporation Limited (HDFC) was amongst the first to receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a bank in the private sector, as part of RBI's liberalization of the Indian Banking Industry in 1994.
The presentation analysing Business Strategy, Porter's Five Force Model analysis, SWOT analysis of HDFC.
This was a project study during my 7th semester @ SZABIST, The subject was Project Management . Hammad Masood was Facilitator. This projects describe how Meezan Manges its Different projects
Allied Bank Management Information System - Allied Bank MISFaHaD .H. NooR
Allied Bank MIS - UCP - MIS is short for management information system or management information services.
Management information system, or MIS, broadly refers to a computer-based system that provides managers with the tools to organize, evaluate and efficiently manage departments within an organization. In order to provide past, present and prediction information, a management information system can include software that helps in decision making, data resources such as databases, the hardware resources of a system, decision support systems, people management and project management applications, and any computerized processes that enable the department to run efficiently
The role of the management information system (MIS) manager is to focus on the organization's information and technology systems. The MIS manager typically analyzes business problems and then designs and maintains computer applications to solve the organization's problems.
The Housing Development Finance Corporation Limited (HDFC) was amongst the first to receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a bank in the private sector, as part of RBI's liberalization of the Indian Banking Industry in 1994.
The presentation analysing Business Strategy, Porter's Five Force Model analysis, SWOT analysis of HDFC.
Comparative analysis of hdfc & icici stocks using quantitative techniquesGurpreet Singh
A comparative study of share prices of HDFC bank and ICICI Bank using quantitative techniques.
30 days stock price of HDFC bank and ICICI bank.
techniques used: correlation, mean, standard deviation, range, coefficient of variation,etc
In August 1994, ‘HDFC Bank’ was incorporated, with its registered office in Mumbai, India.
It commenced operations as a Scheduled Commercial Bank on 5th January 1995 after receiving banking license. The bank also entered into strategic alliance with National Westminster Bank group.
In February, 2000, Times Bank Limited merged with HDFC Bank Ltd. This was the first merger of two private banks in the New Generation Private Sector Banks category.
In 2008, Centurion Bank of Punjab was acquired by HDFC Bank Ltd. HDFC Bank Board on 25 February 2008 approved the acquisition of CBoP for Rs 9,510 core in one of the largest mergers in the financial sector in India.
In February, 2000, Times Bank Limited merged with HDFC Bank Ltd. This was the first merger of two private banks in the New Generation Private Sector Banks category.
In 2008, Centurion Bank of Punjab was acquired by HDFC Bank Ltd. HDFC Bank Board on 25 February 2008 approved the acquisition of CBoP for Rs 9,510 core in one of the largest mergers in the financial sector in India.
Comparative analysis of hdfc & icici stocks using quantitative techniquesGurpreet Singh
A comparative study of share prices of HDFC bank and ICICI Bank using quantitative techniques.
30 days stock price of HDFC bank and ICICI bank.
techniques used: correlation, mean, standard deviation, range, coefficient of variation,etc
In August 1994, ‘HDFC Bank’ was incorporated, with its registered office in Mumbai, India.
It commenced operations as a Scheduled Commercial Bank on 5th January 1995 after receiving banking license. The bank also entered into strategic alliance with National Westminster Bank group.
In February, 2000, Times Bank Limited merged with HDFC Bank Ltd. This was the first merger of two private banks in the New Generation Private Sector Banks category.
In 2008, Centurion Bank of Punjab was acquired by HDFC Bank Ltd. HDFC Bank Board on 25 February 2008 approved the acquisition of CBoP for Rs 9,510 core in one of the largest mergers in the financial sector in India.
In February, 2000, Times Bank Limited merged with HDFC Bank Ltd. This was the first merger of two private banks in the New Generation Private Sector Banks category.
In 2008, Centurion Bank of Punjab was acquired by HDFC Bank Ltd. HDFC Bank Board on 25 February 2008 approved the acquisition of CBoP for Rs 9,510 core in one of the largest mergers in the financial sector in India.
For the past three decades India’s banking system has several outstanding achievements to its credit. The most striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. This is one of the main reasons of India’s growth process.
2. Founder of HDFC
Hasmukh Bhai Parekh
In 1956 he began his financial
affairs.
In 1992, government of India
honored him with Padma Bhushan.
In 1994 he abode the earth.
3. HDFC BANK
• Housing Development Finance Corporation
• HDFC Bank was incorporated in August 1994
• Among the first in new generation commercial banks
• Was amongst the first to receive an 'in-principle'
approval from the Reserve Bank of India (RBI) to set
up a bank in the private sector, as part of the RBI's
liberalization of the Indian Banking Industry in 1994.
• Registered office in Mumbai, India
• Listed in NSE and BSE
4. HDFC Focuses on
• Understanding the needs of customers and offering them
superior product and service.
• Leveraging technology to service customers quickly and
conveniently.
• To create quality of consumers and not quantity of
Consumers.
• Providing and enabling environment to foster growth and
learning for the employees.
5. THE THREE MAJOR
FUNCTIONS OF HDFC BANK
HDFC Bank deals with three key business
segments:-
Retail Banking Services
Wholesale Banking Services
Treasury Operations
6. Capital Structure
• The authorized capital of HDFC Bank is Rs550 crore (Rs5.5
billion).
• The paid-up capital is Rs424.6 crore (Rs.4.2 billion).
• The HDFC Group holds 19.4% of the bank's equity
• Roughly 28% of the equity is held by Foreign Institutional
Investors (FIIs) and the bank has about 570,000 shareholders
7. NETWORK
2,776 branches
10,490 ATM’s in the
country
1,399 cities in India
16 branches in Middle
east
6 in Africa
Representative offices
in Hong Kong, New York,
London & Singapore
10. PEST ANALYSIS
POLITICAL FACTORS
1. Government Regulations
2. Stable Constituency
3. Fiscal Policy
ECONOMIC FACTORS
1. Market Performance
2. Global Standards
3. Inflation
• SOCIAL FACTORS
Community Initiatives
Income
• TECHNOLOGICAL
FACTORS
This is the era of information
technology and due to net
banking, online transaction, online
RTGS, clearing system helps the
industry a lot.
11. SWOT ANALYSIS
Strengths
1. Extensive distribution network consisting of 2,776 branches in
10,749 cities
2. Strong brand equity
3. ISO 9001 certification
Weakness
1. Account opening and delivery of cheque book takes more time.
2. Lack of availability of different CC limits, bill discounting facilities.
Opportunity
1. Door step services
2. Branch expansion
Threats
1. Facing competition from competitors like SBI, PNB.
13. • RATIO ANALYSIS
• CLASSIFICATION OF RATIOS
Ratio
Analysis
Current
Ratio
Quick
Ratio
Debt-
Equity
Ratio
Net
Assets
value
Ratio
Net Profit
Ratio
RCE Ratio
14. Current Ratio
Current Ratio(2012)
HDFC 0.08
ICICI 0.13
SBI 0.05
0
0.02
0.04
0.06
0.08
0.1
0.12
0.14
HDFC 2012 ICICI 2012 SBI 2012
Current Ratio
Current Ratio
INTERPRETATION
It increased by 2012 by 0.02%.
15. Quick Ratio
Quick Ratio(2012)
HDFC 6.20
ICICI 16.71
SBI 12.05
0
2
4
6
8
10
12
14
16
18
HDFC 2012 ICICI 2012 SBI 2012
Quick Ratio
Quick Ratio
INTERPRATATION
It decreased by 0.69% in 2012.
16. Debt – Equity Ratio
DER(2012)
HDFC 9
ICICI 7.2
SBI 14.8
0
2
4
6
8
10
12
14
16
HDFC 2012 ICICI 2012 SBI 2012
Debt Equity Ratio
DEBT EQUITY RATIO
INTERPRETAION
In 2012 debt equity ratio has increased by 3.9%.
17. NAV Ratio
NAV Ratio(2012)
HDFC 0.12
ICICI 0.09
SBI 0.10
0
0.02
0.04
0.06
0.08
0.1
0.12
0.14
HDFC 2012 ICICI 2012 SBI 2012
Asset turnover Ratio
Asset turnover Ratio
INTERPRETATION
It increased by 0.01% in 2012.
18. Earning per share
EPS (2012)
HDFC 26.51
ICICI 56.09
SBI 221.39
0
50
100
150
200
250
HDFC 2012 ICICI 2012 SBI 2012
Earning Per Share
EARNING PER SHARE
INTERPRETATION
IN 2012 EARNING PER SHARE IS DECREASE BY 62%.
19. Dividend per share
DPS (2012)
HDFC 4.30
ICICI 16.50
SBI 35.00
0
5
10
15
20
25
30
35
40
HDFC 2012 ICICI 2012 SBI 2012
Dividend Per Share
DIVIDEND PER SHARE
INTERPRETATION
Dividend per share decreased by 12.50%.
20. Dividend yield ratio
DYR(2012)
HDFC 0.67%
ICICI 1.52%
SBI 1.58%
0.00%
0.20%
0.40%
0.60%
0.80%
1.00%
1.20%
1.40%
1.60%
1.80%
HDFC 2012 ICICI 2012 SBI 2012
Dividend Yield Ratio
DIVIDEND YIELD RATIO
INTERPRETATION
In 2012 it’s increased by 0.13%.
21. Price earning ratio
PER(2012)
HDFC 21.6
ICICI 15.75
SBI 10.00
0
5
10
15
20
25
HDFC 2012 ICICI 2012 SBI 2012
Price Earning Ratio
Price Earning Ratio
INTERPRETATION
In 2012 price earning is decrease by 6.5%.